Pennsylvania Health Insurance

Health insurance options are quite plentiful for residents of Pennsylvania, and so are insurance providers. With so many types of health care plans available, you should be able to find the perfect policy to meet all of your medical needs.

You’ll be able to seek out important health insurance information here regarding the different Pennsylvania insurance companies you can do business with. You’ll also be provided with information regarding the numerous insurance laws, rules, and regulations that exist in the state. These are helpful to know when you’re attempting to find good health coverage. If you’re interested in learning about the many public health insurance programs available in Pennsylvania as well as financial assistance opportunities, that information is provided here.

It’s a good idea to compare different health insurance plans. You can get started by filling in the form below to receive fast, free quotes from a variety of insurance providers.

For non-residents of Pennsylvania, you can easily search for health insurance by state.

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Resources on this page

Pennsylvania Health Insurance Laws and Regulations

Public Health Insurance Programs for Pennsylvania Residents

Pennsylvania Health Insurance High Risk Pools

Pennsylvania Health Insurance Companies

Contact Info for the Pennsylvania Insurance Department and Department of Health



Pennsylvania Health Insurance Stats

Pennsylvania Residents: 12,621,000
Median Annual Household Income: $50,087
Pennsylvania Health Care Expenditures (in millions): $97,414
Households with at least 1 full time worker: 5,909,600
Pennsylvania Health Insurance Coverage based on Total Population (%):

  • Employer: 53%
  • Individual: 5%
  • Medicaid: 15%
  • Medicare: 16%
  • Uninsured: 11%
Avg. Annual Employee Premium in Pennsylvania employer-sponsored plan (after employer contrib.): $1064
Avg. Monthly Pennsylvania Individual Premiums: $225
Total Pennsylvania HMO Enrollment: 3,395,118

Pennsylvania Health Insurance Laws and Regulations

Most Pennsylvania health insurance companies will look at an applicant's health before they accept the applicant into a plan and set premiums. But the Blue Cross and Blue Shield companies are required to offer a guaranteed issue health plan, where every applicant is accepted.

Pennsylvania health insurance shoppers are also protected under the federal HIPAA, if they recently left a group health plan with an employer and meet other requirements. Insurers are required to accept all HIPAA-eligible residents and cannot restrict coverage.

Pennsylvania health insurance law also requires all health plans to cover these medical services:

  • Mammograms and cervical cancer screening
  • Diabetes care
  • Post-delivery care for new mothers
  • Vaccinations for children

Pennsylvania health insurance companies must also cover mental health conditions and physical health conditions equally.

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Pennsylvania Public Health Insurance Programs

The public Pennsylvania health insurance programs help low-income residents obtain health insurance coverage. They include:

  • Medicaid (Medical Assistance)
    The Medicaid program in Pennsylvania is known as Medical Assistance and provides low-earning residents and disabled citizens health coverage. To learn more about Medical Assistance, find it on their website.

  • Pennsylvania's Children's Health Insurance Program
    For some children who do not qualify for Medicaid, but cannot afford private insurance, they can get covered through PaCHIP. Learn more about PaCHIP here.

  • Pennsylvania adultBasic
    This program is designed for adults who have no health insurance and meet eligibility requirements. To find out more about the adultBasic Pennsylvania health insurance program here.

  • The Healthy Women Project
    This program, also known as the Breast and Cervical Cancer Prevention and Treatment program, provides free cancer screenings for low-income women. Learn more about this Pennsylvania health insurance program for women online.

  • Pennsylvania Medicare
    Seniors can find Pennsylvania health insurance through Medicare Advantage, Supplement and Original Medicare.

The Federal Health Coverage Tax Credit is also available for Pennsylvania trade workers and early retirees. This tax credit helps pay for health plan premiums. Learn more about the FHCTC here.

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Pennsylvania Health Insurance High Risk Pool

Residents in Pennsylvania with pre-existing conditions can get health insurance from the temporary high risk pools established by the Patient Protection and Affordable Care Act.

The Pennsylvania Health Plan (NHHP-Fed) will run similar to regular Pennsylvania health insurance policies. The plan will require enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Pennsylvania program will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium costs for Pennsylvania residents are around $283. The plan includes a $1,000 deductible for in-network visits and $10,000 for out-of-network visits. There is also a $5,000 out-of-pocket limit for in-network.

Those eligible for the plan will have health insurance coverage for hospital and doctor visits, emergency services, prescription drugs and more.

Individuals may apply for the Pennsylvania PCIP if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the Pennsylvania health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer Pennsylvania health insurance plans:

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Get Aetna Health Insurance in Pennsylvania

AetnaAARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.

Get AetnaAARP Health Insurance in Pennsylvania

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Get Assurant Health Health Insurance in Pennsylvania

Capital BlueCross Health Insurance

Capital BlueCross has been providing its 1.4 million members with the utmost value in health insurance since 1938 with its extended network of over 11,000 providers and 37 hospitals.

Get Capital BlueCross Health Insurance in Pennsylvania

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Get Celtic Health Insurance in Pennsylvania

First Priority Life Health Insurance

Starting in 1938, Blue Cross of Northeastern Pennsylvania covers nearly 600,000 customers. Blue Cross of Northeastern Pennsylvania and their subsidiaries offer comprehensive portfolios of health insurance to customers in northeastern and north central Pennsylvania.

Get First Priority Life Health Insurance in Pennsylvania

Geisinger Quality Options Health Insurance

Geisinger Quality Options is one of the nation's largest rural HMOs and provide high quality, affordable health insurance benefits using their network of providers, consisting of over 37,000 physicians, facilities, and hospitals.

Get Geisinger Quality Options Health Insurance in Pennsylvania

Great American Health Insurance

Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.

Get Great American Health Insurance in Pennsylvania

Health America Health Insurance

In Pennsylvania and Ohio, Health America's care network includes 26,000 physicians and more than 200 hospitals. Their health plans were also rated number one by the NCQA in more categories than any other Pennsylvania insurance company.

Get Health America Health Insurance in Pennsylvania

IBX Health Insurance

Independence Blue Cross provides high-quality health insurance coverage for more than 3 million residents of Pennsylvania. IBC offers a variety of individual and family health insurance options at affordable rates.

Get IBX Health Insurance in Pennsylvania

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Get John Alden Health Insurance in Pennsylvania

Standard Security Life Health Insurance

Started in 1978, IAC offers management services to large companies who self-insure.

Get Standard Security Life Health Insurance in Pennsylvania

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Get Time Insurance Health Insurance in Pennsylvania

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

Get Time Short Term Health Insurance in Pennsylvania

UnitedHealthOne Health Insurance

Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.

Get UnitedHealthOne Health Insurance in Pennsylvania

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Get WorldIns ExpressMed Health Insurance in Pennsylvania

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Pennsylvania Insurance Department and Department of Health

Find the contact information for the Pennsylvania health insurance and health departments at:

Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
Phone: (877) 881-6388
http://www.ins.state.pa.us/ins/site/default.asp


Pennsylvania Department Of Health
625 Forster Street
Harrisburg, Pennsylvania 17120
Phone: 1-877-PA-HEALTH
http://www.dsf.health.state.pa.us/


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